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TAP CHi CUN6 THI/dNG PHAN TICH HIEU QUA SlT DUNG NGUON VON TIN DUNG CHINH SACH CUA HO NGHEO TREN DIA BAN TINH BINH DlTCfNG • NGUYIN NGOC QUYEN - PHAM VAN TAI TOM TAT: Bang phUdng phap thu thap th6ng tin hg ngheo c6 vay von tin dung chinh sach tai chi nhanh Ngan hang Chinh saeh xa hoi (NHCSXH) tinh Binh DUdng va cac Huyen, Thi xa, Thanh pha' trtfc thu6c linh Binh Dtfdng va th6ng qua phifdng phap dinh tinh ket hdp phan tieh tai lieu, tho'ng ke, diSn giSi nham di siu phan tich thiTc trang va tinh hi6u qua eua viec siJf dung nguon von tin dung chinh sach TiC do, tim giai phap, nhtng cd che chinh sach thich hdp gltip eho h6 ngh^o tren dja ban tinh Binh Difdng thuan ldi hdn viec lifi'p eSn du'dc nguon von tin dung chinh sach, gop phan xoa doi giam ngheo Ttf khoa: Hg ngheo, tin dung chinh sach, giam ngheo Gidi thi^u Giam ngheo la mot nhiJng ehinh saeh cua Viet Nam nhieu nam qua, la vi muc tieu an sinh va cong bang xa hgi Dang, Nha nUde xem giam ngheo vCfa la muc lieu, visa la yeu cau de phat trien kinh te - xa hgi, tang ci/dng an ninh, quo'c phong Phat tnen kinh le' keo theo khoang each giau ngheo eang tang Dang va Nha nifdc da eo nhieu ehinh sach giam ngheo nhif lap ngan hang chinh sach, lai trd vo'n cho ngifdi ngheo lam giau Tuy nhien, van de hieu qua siS dung von tin dung cua nha nUdc cho ngifdi ngheo tai cae dia phifdng cung da c6 nhifng nghien ciJu eong bo, nhu'ng rieng phan tich hieu qua su' dung vo'n tin dung danh eho ngifdi ngheo/hd ngheo lai tinh Binh Du'dng thi ehUa cd eong trinh nghien cifu nao Dd la ly nhdm tae gia thife hien nghien cilu 98 So 7-Thang 4/2019 Ccf s^ ly thuye't va cac nghien etfu trtfde day Nghien etfu cua Le Thi Thuy Nga (2011), Giai phap nang cao hieu qua tin dung do'i vdi hg ngheo tai NHCSXH linh Thanh Hda Tae gia xac dinh cac nhan to' anh hifdng de'n hieu qua eua tin dung hg ngheo nhif cd sd vat chat, doi ngu nhan vien, ve quy trinh cho vay, ve chinh sach cho vay, ve cong lac kiem tra va lU van Nghien ciJu tap trung phSn tieh dinh tinh Quach Khanh Ngoc va Tru'dng Quoc Hao (2012), Phan tich cae nhan to anh hudng den doi tu'dng vay cua hg nong dan tren dia ban tinh Kien Giang, (Tap chi Kinh te va Quan tri kinh doanh so 05) Tac gia phan tieh nhan to' anh hu'dng de'n lifdng vd'n vay cua ho nong dan iren dia ban tinh Kien Giang Ke't qua nghien cilu chi rang lifdng vo'n vay phu thugc vao nhan to ];r so tien vay, QUANTRj-QUANLY muc dich dtu tif, dien tich dai thg' ehap, gia tri tai san, thu nhSp trifdc di vay, ludi ehu hg, trinh dd hpe vS'n, cong viec hi$n tai Tr6n cd sd nghien ci?u cho tha'y, viec cai thien lifdng vd'n cua hg dSn trdn dia ban tinh Ki6n Giang c^n chu y dd'n so l^n vay tiln, muc dich d^u tif, didn tich da't the chap, gia tri tai san, thu nhap trifdc vay, tudi chii ho, trinh dS hoc va'n, edng viec hien tai Bui Van Trinh va NguyIn Thi Thuy Phu'dng (2014), "Phan tieh cac yeu to' anh hu'dng de'n hieu qua su" dung vd'n vay eua ho ngheo tren dia ban tinh Soc Trang", (Tap chi Phat trig'n va Hgi nhap so' 19) Ke't qua nghien eiJu eho tha'y hieu qua siJ dung vo'n vay cua hg ngheo phu thugc cae ye'u to' nhu' la lu'dng vo'n vay, ky han, lai sua't, rui ro, hifdng dan vay, dien tich dat san xuat, ty trgng vo'n su" dung cho san xua't va lao dgng idng so' ye'u to' cd md'i tifdng quan thuan: lifdng vd'n vay, hu'dng dan sau vay, dien tich dS't, ty trgng vd'n suf dung cho sdn xua't va so' lao dgng Trong do, cac yeu Id', ky han vay, lai sua't rui ro cd md'i quan he tifdng quan nghich (-) vdi hidu qua su" dung vd'n vay cua hd ngheo Ngoai ra, nghidn etfu dtfdc stf dung kidm dinh t - Test va kiem tra chi binh phtfdng de danh gia kha nang thoat ngheo cua cac hg vay vo'n Tren cd sd phan tich, de xua't eae giai phap giup hg ngheo tren dia ban tinh Sdc Trang stf dung vo'n vay c6 hidu qua hdn de c6 thd lam tang thu nhap va sdm thoai ngheo Nguyen Hoai Nam (2015), Danh gia hieu qua kinh Id' xa hgi cua chtfdng trinh chinh sach tin dung do'i vdi hg ngheo eua NHCSXH, Tap ehi Ngan hang so 23 (trang 46 - 49) nam 2015, lac gia nghien etfu eho tha'y hieu qua kinh te'xa hoi viec giam ngheo dd'i vdi hg ngheo thieu so' vung Tay BSc, NHCSXH tinh Ha Giang thd hien vai tro "ba dd " eho ngtfdi ngheo dac biet la ngifdi dan tdc thieu sd' vu'dn len thoat ngheo Ihm giau bSng chinh ngudn vd'n tin dung chinh sach thdng qua cac chi tidu tang trtfdng, quy md eho vay, kha nang su"dung ngtfdi vay, cho vay dung dd'i lu'dng, dung muc dich ehd kd't qua kha nang thu hdi vd'n dam bag Tac ddng tich ctfc de'n viec phat huy nang life san xua't kinh dganh ngtfdi ngheo tao dtfdc y lhi?c traeh nhiem quan he ngtfdi ngheo vdi ngan hang, so' hg dtfde vay vd'n, so' hg thoat ngheg, tac dgng vay vo'n dd'n thu nhap ho ngheo Ben eanh dd, tae gia cung eho ta tha'y nhiJug ban che' va dtfa cac giai phap nang cao hieu qua cho vay hg ngheo Nguydn Dac Htfng (2014), Nghien etfu cae nh3n td' dnh htfdng va nhdm giai phap viee dau lu vd'n tin dung cua NHCSXH, Tap chi Ngan hang (trang 22 - 23) so' 23, nam 2014, tac gia danh gia nhtfng cdng chinh sach tin dung cho hd ngheo, ed vai trd lanh dao eua Dang, Chinh phu, Nganh, stf phd'i hdp cac Bd nganh lidn quan, ea hd thd'ng chinh tri cu thd nhtf: vai trd lanh dao ciia Dang, Chinh phu difa hoat dgng tin dung chinh sach vao boat ddng la ehu trtfdng diing, sang tao cd tinh dae thii, phil hdp vdi phat tridn kinh te - xa hgi Viet Nam gdp phan he't stfc quan trgng thtfc hien muc lieu giam ngheo va thtfc hidn muc tidu an sinh xa hdi; Hoat ddng tin dung chinh sach dan lao du'dc long tin dd'i vdi mot so to chtfc quo'c te', thu hut nhieu qud'c gia trdn the' gidi, mot so' ntfdc dang tim hidu md hinh cua NHCSXH Viet Nam; Tin dung chinh sach NHCSXH gdp phan tich cife vao ddi mdi hoat dgng ngan hang, ciing nhif thtfc hien muc lidu dieu hanh chinh saeh tien te cua NHNN; Cha't Itfdng tin dung dau t\t cho tin dung ehinh sach ndi ehung, ddi vdi hp ngheo noi rieng dtfdc dam bao, ben canh sif tham gia cua cac td chtfc chinh tri xa hpi, vai tro Ban dai dien HDQT d dia phifdng, cac die'm giao dich dat tai xa, phtfdng, cac quy dinh niem ye't dung ve lai suat, thu tuc vay, giai ngan, dtf nd, tra lai dtfdc thdng bao cdng khai minh bach rd rang tai ndi giao dich Phtftfng phap nghien etfu Stf dung phUdng phap dinh tinh, kd't hdp phan tich lai lieu, phtfdng phap tdng hdp, thd'ng kd, chtfng minh, dien giai, sd do, bieu mau, danh gia thtfc trang dau ttf vd'n tin dung dd'i vdi hd ngheo Xae dinh cac yd'u to' anh hu'dng de'n hieu qua stf dung vd'n vay chinh sach cua hd ngheo tai tinh Binh Dtfdng, de xua't cac giai phap nSng cad hidu qua stf dung vd'n tin dung chinh sach Irong thdi gian tdi K§'t qua nghidn etfu Qua hdn 15 nam lap va phat trien, Ngan hang Chinh sach Xa hgi tinh Binh Dtfdng da pha'n dau hoan td't nhiem vu dtfde Chinh phu giao Da gdp phan giiip eho hang ngan hg ngheo, cae ddl tifdng chinh sach khac vtfdn len thoat ngheo eai thidn cuoc sd'ng ttf nguon vd'n tin dung chinh sach Tinh dd'n 31/03/2019, tdng du nd loan So 7-Thang 4/2019 99 TAP CHi CONG THIfdNG linh dat 2.372 ty ddng, lang gan 55 lan so vdi luc mdi lap, NHCSXH linh ciing vdi td chtfe ehinh tri - xa hdi tinh da lap dtfde 1.615 td Tie't kidm va vay vd'n, nhien ly le nd qua han rat tha'p ehi cd 0,18% Vdi mo hinh td chtfe va phifdng thtfc tin dung dac thii, NHCSXH tinh Binh DUdng ed dtfdc nhieu can bd tam huyd't ttf ed quan chinh quyen va hdi doan the tham gia nhan quan ly va nhan uy thac dd eua eac nganh, eac ca'p uy, chinh quydn dia phifdng, ttf hgi sd ehi nhanh NHSXH tinh da gat hai dtfdc mot sd'ke't qua kha quan Tinh den 31/3/2018, long dif nd cho vay hd ngheo 122.289 trieu ddng, tang 77.799 trieu ddng so vdi nam 2016 la 44.490 trieu dong, ttfdng difdng 175% Vide thtfc hien hidu qua ke hoach nguon vdn cung tao thdm hidu qua tin dung eho hd ngheo, tao hieu qua kd'hoach ngudn vd'n cung tao them hieu qua Bang Ket qua cho vay hp ngheo tif nam 2016 -2018 Ddn vi: Tri0u ddng, %, h0 Bvt 2016 2017 2018 3/2019 long Doanh s6 cho vay Tr Dong 6.282 11.010 379 1,626 26,297 Doanh so thu no Tr Gong 39.546 24.983 14.099 1.280 79,908 Duno Tr Ddng 44.490 30.478 23.529 23 792 122.289 Ng qua han Ng khoanh So hp du nd So iupt hp vay von STT Chi tieu % 0,3 0,26 0,19 0,18 Tr Dong 258 235 205 205 903 Hp 2.602 1.488 994 973 6.057 Cho vay binh quan hp Tr Ddng 23,44 28,45 31,8 36,95 Du nd binh quan mpt h6 Tr Ddng 17,1 20,48 23,67 24,45 Hd 268 387 232 44 931 Ngudn: Ngdn hdng chinh sdch xd hgi tinh Bmh Duong Xem Bang ta tha'y, dtf nd binh quan 01 hd ngheo tai chi nhanh tha'p, giao dgng d cac nam 2016 dd'n nam 2018 ttf 17.100.000 ddng de'n 24.450.000 ddng Nam 2014, NHCSXH Viet Nam thife hidn nang mtfc cho vay tdi da mdt hd ngheo ldn de'n 50 tridu ddng/hp (theo Quye'l dinh so 34/QD-HDQT 26/4/2014 cua Chu tich Hgi ddng quan tri NHCSXH Vidt Nam, cdng van sd 1129/NHCS-TDNN 29/4/2014 cua Tong giam ddc NHCSXH Viet Nam) Kd't qua eho vay nam 2018 binh quan mot hd ngheo khoang 31,8 trieu dong va tinh theo du'nd binh quan cho mot hd ngheo la 23,67 tridu ddng Ttf kd't qua hoat dOng tin dung cho tha'y ngudn vd'n cho vay cdn d mtfc trung binh, can stf quan tam hdn ntfa cua eac cap uy Dang, chinh quyen dia phtfdng va NHCSXH chi nhanh tinh Binh Dtfdng Ve ke't qua cho vay, giai doan 2016 2018 vdi stf nd Itfc cua ehi nhanh, stf cdng tae, giup 100 So 7-Thang 4/2019 tin dung eho hd ngheo, lao hieu qua ve mat xa hgi, gdp phan tang toe dp luan ehuydn vo'n va lull thdng hang hda Doanh sd eho vay hd ngheo tai NHCSXH chi nhanh tinh Binh Dtfdng cd stf tang trtfdng va bien dpng nhidu qua cae nam edn phu thudc vao ngudn vo'n ph2n bo va vdn thu hdi hang nam Nd'u nhtf nam 2016, doanh sd cho vay chi dat 6.282 tridu ddng, den 31/3/2019 doanh sd cho vay my kd' tang len 26.297 trieu ddng; tang 20.015 trieu dong, tifdng dtfdng 318% Mtfc cho vay binh quan mot hd khdng ngtfng tang len ttf 17,1 tridu ddng nam 2016 len 24,45 trieu ddng nam 2019 De'n ng^y 31/3/2019 c6 973 hd ngheo dang cdn dtf nd giam 1.629 hd so vdi nam 2016 Dieu the hien tinh hieu qua cdng tae cho vay, ma hg ngheo dan dan cai thien cude sd'ng, thoat ngheo nhiJng nam qua di ehUdng irinh tin dung cua NHCSXH QUANTRj-QUANLY Cha't Itfdng tin dung the hien ly le nd qua han dat d mtfc tha'p Cu the ty le nd qua han qua cae nam 2016,2017,2018 va de'n het thang 3/2019 Ian Itfdt la: 0,3%, 0,26%, 0,19%, 0,18% Cho tha'y ty Id nd qua ban lai ehi nhanh NHCSXH tinh Binh Dtfdng giam dan qua eae nam cd the khang dinh cha't Itfdng boat ddng tin dung td't, ttf hieu qua stf dung vdn tin dung ciing dtfde phat huy cao Mot so giai phap nSng cao hieu qua tin dung dd'i vdi ho ngheo tai NHCSXH tinh Binh Dtfdng Mac du ty le hd ngheo cua tinh da giam, nhifng so' hg ngheo van cdn tifdng dd'i ldn, nha't la d eac vung sSu, vung xa, vung dac biet khd khan; Ranh gidi gitfa thoat ngheo va tai ngheo la he't stfc mong manh ndn nhidm vu giam ngheo Bang So lieu dii nd tin dung hp ngheo giai doqn 2016-thong 6/2019 Ddn vi tinh: tri^u dong stt Chitieuthuc hign Tdng du no cho vay Du no cho vay hd nghed Ty trpng du no (%} Tdc dp tang trudng 2016 2017 2018 Thang 1-372019 1.330.582 1.772.686 2.269.454 2.379.043 44.490 30.478 23.529 23.792 3,34 1,72 1,04 -31,49 -22,8 1,12 Nguon: Ngdn hdng chinh sdch xa hgi tinh Bmh Duong Ttf Bang ta thay, dtf nd hd ngheo giam deu qua cac nam Cu the nam 2016 dtf nd hd ngheo 1^ 44.490 tridu ddng, ehid'm ly trgng 3,34%, tren long dtf nd cho vay lai chi nhanh; nam 2017 la 30.478 tridu ddng (chie'm ty trgng 1,72%), nam 2018 la 23.529 trieu ddng (chie'm ty trpng 1,04%), 03 thang dau nam 2019 la 23.792 tridu ddng (chie'n ty trgng 1%) Xet vd mat tang trifdng cud'i ky giai doan ttf nam 2016 - 2019, dtf nd hp ngheo giam qua cae nam, nam 2017 giam 31,49% so vdi nam 2016, nam 2018 giam 22,8% so vdi nam 2017 Didu cho tha'y quy md va dtf nd hd ngheo giam xud'ng rat nhanh, diy la Un hieu tich ctfc va dang khieh le cho cdng lac giam ngheo tai tinh Binh Dtfdng thdi gian qua Nhin chung, ty trgng dtf nd cho vay hd ngheo thap so vdi eac chtfdng trinh cho vay khac Nam 2018 dtf nd eho vay hg ngheg chi dat 23 ty ddng, cho thay quy md tin dung chinh sach eho hd nghed tai NHCSXH tinh Binh Dtfdng giam dan thay vad dd la eac chtfdng trinh cho vay khac dd giup ngtfdi nghed tie'p can eac dich vu xa hgi, nang cao ddi sd'ng nhSn dan Ke't qua cho tha'y tdc dd tang trtfdng nam 2017, 2018, thang nam 2019 lan Itfdt la: - 31,49%; 22,8% va 1,12% the hien td'c dd eang giam hd ngheo vay vd'n stf dung dong vd'n cd hidu qua, tra dtfdc nd ngan hang va da thoat ngheo ben vffng cua tinh vSn cdn rS'l nang nd va phai dtfdc tid'p tue day manh Giai doan 2018-2020, linhse tid'p tuc nang mtfc chuan hg ngheo len 1,66 trieu ddng/ngtfdi/thang va hp can ngheo 2,16 trieu ddng/ngifdi/lhang (chuan mtfc sd'ng trung binh la 2,75 tridu ddng/thang), luc dd sd' ho ngheo mdi eua linh se la 9.000 hd (3% hg dan) Ngudn vdn tin dung ehinh saeh eua hd ngheo hd trd dac Itfc chid'n lifdc giam ngheo, la mdt giai phap hffu hieu day lui can benh ddi ngheo va rut ngan khodng each phan hda giau ngheo xa hdi De thtfc hidn td't cac hoat ddng tin dung chinh sach cua hd ngheo tai NHCSXH tinh Binh Dtfdng, hifdng de'n thtfc hidn ehinh sach giam nghed cd hieu qua va ben vtfng can thie't lap trung mdt sd van de sau: Thd nhdt, tie'p tue trien khai, thtfc hien td't Chi thi sd 40-CT/rW cua Ban Bi flitf, Quyet dinh sd 401/QD-TTg cua Thii ttfdng Chinh phu, Cdng van sd' 2306-CV/rU 15/4/2015 va 936-CV/rU 04/5/2017 eua Tinh uy, Chi thi sd 09/CT-UBND 19/5/2015 va van ban 3756/UBND-VX 10/10/2016 cua UBND linh; ttong dd hgng tam la ehi dao tap trung cac ngudn vd'n tin dung cd nguon gd'c ttf ngan saeh nha ntfdc vao mdt dau md'i quan ly la he thd'ng NHCSXH, de tranh eho vay chdng eheo, ttilng lap, kem hieu qua va khd kiem soat; Hang nam bd So 7-Thang 4/2019 101 TAPCHlCONBTHIfOfNG tri du ngudn vdn tin dung de cho vay hd ngheo va cac DTCS khac tren dia ban, hd ttd ed sd vat cha't, tao dieu kidn thuan ldi cho chi nhanh NHCSXH tinh va eac Phdng giao dich huyen ihi hoat dgng dn dinh, ben vtfng; - Thtfdng xuyen kien loan Ban dai dien HDQT cac ca'p, tang ctfdng eong lac kiem tra, giam sat viec quan ly, ttien khai thifc hien cac chtfdng trinh tin dung chinh saeh tai dia phtfdng va hoat dgng cua NHCSXH trdn dia ban Thii hai, hang nam, td chtfc dieu tra va quan ly chat che danh sach hd ngheo, ho can ngheo va cac dd'i ttfdng ehinh saeh khac Chu ddng dieu ehinh, bd sung kip thdi danh saeh hd ngheo, hp can ngheo va dd'i ttfdng ehinh sach khac dd cd can ctf xac nhSn dd'i tffdng vay vd'n NHCSXH Thii ba, cac ca'p iiy, cae td chtfe chinh tti - xa hdi, chinh quyen dia phtfdng cac cap phd'i hdp chat che hdn ntfa vdi chi nhanh NHCSXH vide long ghep cd hieu qua cac chtfdng trinh khuye'n ndng, khuye'n ISm, khuye'n ngtf va cac hoat ddng cua cae hdi, doan the vdi boat ddng tin dung chinh sach, giup ngtfdi vay stf dung vd'n vay ed hieu qua de thoat ngheo ben vtfng Tint tu, cac to chtfc chinh tri - xa hpi nhan uy thac thtfc hien td't hdn nffa nhtfng cdng viec da dtfdc ehi nhanh NHCSXH uy thac; bao dam viec eho vay diing chinh sach, dung dd'i tffdng thu htfdng; ddng thdi, phdi hdp ehat che vdi NHCSXH viec eung cd', nang cao chat Iffdng tin dung - Nang cao traeh nhiem cua UBND cap xa ttong viec: Trien khai thtfc hidn chinh sach tin dung xa hgi trdn dia ban; kien loan Ban giam ngheo nham nang eao ehS'l Iffdng hoat dgng, thtfc hien td't viec tham niifu cho UBND eung cap quan ly, phd duydt danh saeh hd ngheo va dd'i tffdng chinh sach vay vd'n NHCSXH; chi dao Trtfdng thon, ap, td dSn phd' phd'i hdp cung NHCSXH, cac td chffc chinh tti - xa hdi, Td tid'l kiem va vay vd'n quan ly chat che vd'n tin dung chinh sach xa hdi tten dia ban; theo doi, giup dd ngffdi vay vdn stf dung vd'n dung muc dieh, cd hieu qua; ddn dd'c ngffdi vay tra nd, tta lai ng&n hang day du, dung han; tich ctfc tham gia xtf ly cae khoan nd qua han, nd xa'u Thd ndm, day manh luyen truyen, bie'n cac chu trtfdng, chinh sach cua Dang va Nha ntfdc vd tin dung chinh sach dd'n cac dd'i ttfdng thu htfdng cung nhtf toan thd xa hdi de vtfa thu hut ngudn vd'n cho NHCSXH nhidu ngffdi dan, td 102 So 7-Thang 4/2019 chtfe bie't de'n, rin tffdng gtfi lien, ddng thdi khuyd'n khich eac hd ngheo tham gia vay vdn cua NHCSXH mpt each chu ddng va stf dung vd'n c6 hidu qua hdn; - Tich ctfc, ehu dpng giam sat cac hoat ddng eua cac td chtfc chinh trj - xa hdi tham gia vao hoat ddng uy thac von NHCSXH, dae bidt la edng tac kiem tra, giam sat, ddn dd'c thu hdi nd de'n han, hudng dSn ngffdi vay stf dung vd'n hidu qua, long ghep vdi cac chtfdng trinh, dtf an cua td chtfe ehinh tn - xa hgi Thii sdu, dpi ngQ can bg chi nhanh NHCSXH tinh c^n tie'p tue de cao tinh thin traeh nhidm, doan ke't, pha'n da'u thtfc hien cdng De an Chie'n Itfdc phat trie'n NHCSXH tren dia ban tinh Binh Dtfdng, giai doan 2017 - 2020; gdp phan thid't ihifc, hieu qua hdn ntfa de thtfc hidn cac chinh sach an sinh xa hdi ma Chinh phu va dia phtfdng da ban hanh Thiibdy, tieh ctfc nghien etfu, de xuat tham mtfu vdi ca'p cd tham quyen thtfc thi chinh sach tin dung xa hgi mdt each hidu qua, phu hdp vdi dieu kidn phat tridn kinh le' - xa hdi va nhu cau eua ngtfcli dan dia phffdng Ke't luan Nghien etfu da he thd'ng hda nhiJug va'n de ly luSn cd ban ve hd ngheo, tin dung dd'i vdi hp ngheo, sff can thie'l phai XDGN, cac chi tidu tinh loan hieu qua tin dung va rut stf cIn thidl khaeh quan phai nang eao hidu qua tin dung doi vdi hd ngheo; Danh gi£ thtfc trang va hieu qua cho vay hd ngheo ta i NHCSXH linh Binh Dtfdng, xac dinh eae yd'u Id' anh htfdng de'n hidu qua sil dung vdn vay chinh sach cua hp ngheo, gan danh gia tinh hinh dau ttf vd'n cua NHCSXH de thS'y ro hdn gdc dp nghien etfu Dong thdi, chi nhtfng tdn tai, nguydn nhan ctfa chtfdng trinh cho vay hp ngheo tai Binh Dtfdng thdi gian vtfa qua Trdn cd sd mue tidu hoat dpng cua NHCSXH tinh Binh Dtfdng, nhdm tac gia dtfa cac nhdm giai phap va mdt sd de xua't kid'n nghi vdi lanh dao Dang, Chinh phu, lanh dao NHCSXH Viet Nam, lanh dao dia phtfdng vdi mdt so' cac giai phap nham gdp phan thtfc hien td't hdn edng tac giam ngheo eho hd ngheo tren dia ban tinh Binh Dtfdng, giam dan ty le hg ngheo, dffa hd thoat ngheo cao hdn theo muc lieu lanh dao cac cap de giai doan dd'n nam 2020 va thdi gian tdi • QUANTRj-QUANLY TAI LIEU THAM KHAO: Bid Vdn Trinh vd NguySn Thi Thuy Phiiang (2014) "Phdn tich cdc yeu tddnh hudng den iiieu qua sitdung vdn vay cua hg ngheo tren dia bdn tinh Soc Trdng" Tap cliiPhdt trien vd Hgi nhdp sd 19 Khdnh Vinh (2016) Dot phd cong tdc gidm ngheo d Binh Duong Bdo Nhdn ddn, ngdy 26/4/2018 Lam Phuong (2018) Tim gidi phdp hieu qud de gidm ngheo, Bdo Dd Ndng, ngdy 30/3/2018 Le Thi Thiiy Nga (2011), Gidi phdp ndng cao hieu qud tin dung ddi vdi ho ngheo tai Ngdn hdng Chinh sdch xd hgi tmh Thanh Hda NguySn Ddc HiOig (2014) Nghi&n cUu cdc nhdn tddnh hudng vd niidm gidi phdp viec ddu tuvon tin dung c NHCSXH Tap chi Ngdn hdng (trang 22 - 23) sd23 ndm 2014 Nguyin Hodi Nam (2015), Ddnh gid hieu qud kinh te'xa hdi cua chuang trinh chinh sdch tin dung ddi vdi hg ngheo cua Ngdn hdng chinh sdch xd hgi, Tgp chi Ngdn hdng sd 23 (trang 46 - 49) ndm 2015 Qudch Khdnh Nggc vd Truang Qudc Hao (2012), Phdn tich cdc nhdn tddnh hudng den ddi tuong vay ciia hg ndng ddn tren dia bdn tinh KUn Giang, Tap chi Kinh ti'vd Qudn tri kinh doanh sd05 Ngay nhan bai; 17/3/2019 Ngay phan bidn danh gia va su'a chfla: 27/3/2019 Ngay chap nhSn dang bai: 5/4/2019 Thong tin tdc gid: N G U Y I N NGOC QUYEN Hpc vien Sau dgi hgc, Trtf&ng Dai hpc Binh Drfdng TS PHAM VAN TAI Trifcfng Cao dang Kinh td'dS'i ngoai ANALYZING THE EFFICIENCY OF USING SOCIAL POLICY CREDIT SOURCES OF POOR HOUSEHOLDS IN BINH DUONG PROVINCE • NGUYEN NGOC QUYEN Postgraduate student, Binh Duong University • Ph.D PHAM VAN TAI College of Foreign Economic Relation ABSTRACT: By collecting information on poor households having social policy credit loans at the branch of the Social Policy Bank in Binh Duong province and districts, towns and cities dkectly under Binh Duong province, and using the quahtative method combined with documents analysis, statistical analysis and interpretations, this study is to analyze in depth the situation and effectiveness of using social policy credit sources Based on the findings, the study proposes appropriate solutions and pohcies to help poor households in Binh Duong province access scoail policy credit sources with more favourable cdnditions, contributing to the poverty reduction Keywords: Poor households, policy credit, poverty reduction So 7-Thang 4/2019 103
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